Car stolen - need advice

dacouch

facade wrote: »

So I leave the keys on the table in the hall, or my coat pocket, don't bother locking the front door, and someone comes in and has it away with the car whilst I am watching Emmerdale I will get a 21st century insurance company to pay out for the car :eek:

Some how I doubt it

Your example would be covered by most policies unless they contained an explicit restriction.

If someone's car keys are stolen by someone fishing them through the front door letter box which is a fairly common way of stealing cars. Bearing in mind it would mean there were no signs of a forced entry would you expect the car insurers to pay for the stolen car?

For an Insurer to decline a claim for theft of keys from the house where the owner had forgotten to lock the front door (In the abscence of a forced entry restriction), the Insurer would need to prove the car owner acted "Recklessly" eg they recognised the risk but to no action which is unlikely if you had simply forgotten to lock your front door

marlot

carowner88 wrote: »

Hi,

My car has been stolen...

The 'M3' or the 'Yaris' or one of your other dinky toys?

facade

I am amazed :shocked:

When they seem to find any possible way to wheedle out of paying a claim, that they will simply accept my word that the keys were not left in the car, (provided I can brazen it out and report an opportunist theft through a front door that I "forgot" to lock )

Makes you wonder why people still admit they left the keys in and engine running on the drive

dacouch

facade wrote: »

I am amazed :shocked:

When they seem to find any possible way to wheedle out of paying a claim, that they will simply accept my word that the keys were not left in the car, (provided I can brazen it out and report an opportunist theft through a front door that I "forgot" to lock )

Makes you wonder why people still admit they left the keys in and engine running on the drive

They have their ways of ascertaining whether the customer was telling the truth about why the keys are missing and whether they had been left on or in the car.

It's only fair that genuine cases of someone having their car keys fished through their letter box or pick pocketed or someone climbing through a slightly open window or having your front door lock "bumped" (Which would leave no obvious signs of being done) that these claims are paid.

Whether the market will eventually change due to modern cars having good security so car thieves preferred method now days is to somehow steal the keys. It's possible that Insurers will change their policy wordings to try and reduce this, it would need to pass the Ombudsman fairness tests to mean they can deny claims.

If you locked your £40k car up at night, hid your car keys in the house and locked your house up and went to bed. Your teenage son comes home from a night up worse for wear and forgets to lock the front door. Would you be happy if a thief opened the front door, stole the car keys and then made off with your £40k car and your Insurer refused your claim?

facade

dacouch wrote: »

If you locked your £40k car up at night, hid your car keys in the house and locked your house up and went to bed. Your teenage son comes home from a night up worse for wear and forgets to lock the front door. Would you be happy if a thief opened the front door, stole the car keys and then made off with your £40k car and your Insurer refused your claim?

Of course I wouldn't, but I'm not trying to make a profit & keep the shareholders in bubbly :rotfl:

arcon5

Your increase in premium would likely be less than the value of the car unless your a 19yr old with few ncb.
May not be moneysaving to not claim